Working Capital
Access to funds for operations, inventory, payroll, and growth opportunities.
Varies by partner Faster-moving option Day-to-day cash flow
Products & services
Funding and services for your business
A full range of financing — funded directly by Capnora or brokered through our lending network — plus additional products and services to support your business as it grows.
Funding products
Every structure is built around your revenue and goals. Explore the options below.
Apply
Business Term Loans
Fixed-term financing for expansion, acquisitions, and major business investments.
Larger amounts Longer-term structure Large investments
Revenue-Based Financing
Funding structured to adjust with your cash flow patterns and repayment.
Varies by partner Flexible repayment Seasonal revenue
Equipment Financing
Finance equipment purchases with terms tailored to asset life and use.
Asset-based Tied to equipment Machinery & vehicles
MCA Consolidation
Consolidate existing merchant cash advances into a single, more manageable payment.
Based on balances Simplifies payments Reducing daily debits
Commercial Real Estate
Financing for property acquisition, refinancing, and commercial real estate projects.
Property-backed Longer timeline Property & refinance
Business Line of Credit
Revolving credit you can draw on as needed, typically paying interest only on what you use.
Revolving limit Draw as needed Flexible access
Invoice / PO Financing
Unlock cash tied up in unpaid invoices and purchase orders.
Receivables-based Tied to invoices Unpaid receivables
Business services
More than capital
Add the services that keep your finances organized and your team paid — managed by the same team that funds you.
Bookkeeping
Accurate, always-current books managed by a dedicated team, synced to your bank and cards.
- Monthly reconciliation
- Real-time reporting
- Tax-ready statements
Payroll
Run payroll in minutes with automated taxes, direct deposit, and compliance built in.
- Automated tax filing
- Direct deposit
- Contractor payments
Payment Processing
Accept cards and ACH with transparent rates and next-day deposits into your account.
- Transparent pricing
- Next-day funding
- In-person & online
Advisory & Consulting
Work with financial advisors to plan capital, manage debt, and hit growth targets.
- Capital planning
- Debt strategy
- Growth modeling
Qualifications
What we look at
Approvals are based on the health of your business, not just a credit score.
Active Operating Business
Currently generating revenue
Consistent Monthly Revenue
Regular cash flow patterns
Business Bank Account
Active business banking
Time in Business
Minimum operating history
Owner Credit Profile
Personal credit considered
Existing Obligations
Current debt reviewed
Clear Use of Funds
Defined funding purpose
Industry & Cash Flow
Sector and revenue strength
Let's talk about your next move.
Tell us what your business needs, and we'll help you explore the options ahead.